That's a fools errand,
@Jimbilly, There is literally no advantage to going that route.
With Heritage you send them a list of what you have and the value
you assign to each. No appraisals. No photos.
They reply with an extremely reasonable annual charge for the coverage, you pay it, and then you put your head on your pillow and snore your ass off from all of that peace of mind.
When there is a problem, they handle it with a minimum of questions or red tape.
I once had a custom ordered Nik Huber Orca. At the time fair market value for it (used) was about $5,000.
I had had a couple of guitars out on stands and decided to put them back in their cases. This was pre-guitars-hung-on-the-walls days. For some reason I decided to leave that one on the stand, probably thinking I would want to play it later on.
When I returned to that room later that day, the Orca had face-planted onto the floor, cracking the headstock at the low E tuner and chipping the face of the body along the edge in a couple of places.
Getting paid was as easy as submitting the repair receipt, but what about the loss of value?
You wouldn't pay full price for a repaired guitar, right? Neither would I.
This is one time where an appraisal is necessary. I had the repair place state that the guitar is worth about $2,500 now, so Heritage paid me for the repair and the $2,500.
Try that with your homeowner's policy.
